Commercial Vehicle Insurance

Commercial auto liability coverage
provides protection for any business-owned or leased commercial vehicle.
Policies usually include collision and damage coverage as well as
coverage for property and personal damage to others.

Just like you need auto insurance for your own car, you need business auto insurance
to cover your business-owned or leased vehicles. If you, or any of your employees
have an accident in your business's car, you may be liable for bodily injuries,
lost wages or any damage caused.

Typical coverage includes;

Bodily Injury Liability - Coverage for damages that involve bodily injury
to others for which you become responsible under law.

Property Damage Liability - Coverage for damage to property
of others for which you become responsible under law.

Medical Payments - Coverage for reasonable and necessary
medical expenses and funeral services for those who are accidentally
injured while in your automobile or while getting into or out of your
automobile.

Personal Injury Protection - Coverage for medical,
hospital, rehabilitation, loss of wages or loss of services costs
resulting from injury to you or any resident family member. In
case of death to the insured or a resident family member, death
benefits and survivor benefits, if applicable, will be provided.

Other coverage that may be obtained include:

Comprehensive - Protection for the loss of or damage to your
vehicle and its equipment from all causes except collision, subject to the
deductible on the policy.

Collision - Protection for the collision damage to your
automobile and its equipment, subject to the deductible on the policy.
Uninsured Motorist - Coverage allows you to recover bodily injury damages
due to an accident where the other party does not have insurance, and is found
legally liable.
Underinsured Motorist - Coverage allows you to recover bodily injury
damages due to an accident where the other party is found legally liable and
does not have adequate liability limits.
Additional Expense - Coverage for necessary additional expenses incurred
as a result of a loss for which you are protected under comprehensive or collision
coverage. These expenses include rental cars, food, lodging and other incidental
expenses.
Hired Auto Liability Coverage - Covers liability for automobiles hired
under contract on behalf of or loaned to the named insured.
Hired Auto Physical Damage - Coverage for an automobile of any type,
hired, borrowed or leased on a short term basis for use in the insured's business.
Employer's Non-Ownership Liability - Coverage for a private-passenger
automobile used in the business of the named insured by any person, or the occasional
and infrequent use of a commercial automobile in the business by any of your
employees.